Loan / month
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Lease / month
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Lower total cost
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Estimate only. This calculator is for general information and does not constitute a financing offer, quote or approval. Actual rates, terms and payments depend on credit, equipment, and lender underwriting. Contact TruCapital for a tailored pre-approval.
Loan vs. lease, side by side
Loans usually cost more per month but you own the asset sooner. Leases lower the monthly payment but add a residual buyout to own the equipment at the end. This tool compares both on total cost so the monthly number alone doesn't mislead you.
Frequently asked questions
Which is better, a loan or a lease?
It depends on cash flow and how long you'll keep the equipment. Compare total cost, tax treatment and end-of-term ownership — not just the monthly payment.